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Hello, this is Jim and welcome to JustAnswer. I will be the lawyer working with you today.Sorry to hear of the issue. I will set out my written answer shortly.
The creditor and the bailiff do not need to accept payment plan. If you owe a sum of money, the full sum is due unless the creditor accepts a proposal to pay by instalments. They usually ask for receipts and evidence - so there is nothing unusual with their request. What I would recommend is you reply to them, or have Step Change (a free to use debt charity) to speak to them for you and to negotiate a payment plan. This would take the stress out of the situation for you - as it's free, there is no reason why you shouldn't do this so I would recommend you ask Step Change to take over and deal with this for you - their website is here: http://www.stepchange.org
I hope this helps and answers the question - my goal is to ensure you are happy with the answer and have the information you need. If you have any follow up questions then please let me know. I will reply as soon as I can to help with any further queries.
Please let me know if the answer helped or if you need me to cover anything else?. I am happy to clarify the answer or if you have any follow up questions. If so, I’d be grateful if you would let me know. I am free most days, including weekends, so feel free to ask me anything you are unsure of.